to retirement savings should be approached wisely.So before you sign documents, is to study in detail the history of the company and know the conditions of investment.Accumulation of funds can only deal with the public or private PF.More details about the terms on which is served by funded pension Sberbank, read on.
NPF
SB Sberbank - Russia's largest financial group, which includes not only the lender but also the NPF.The latter was established in 1995.License to operate a pension savings received in 2009 alone.The Foundation provides the following services:
1. Non-state pensions to individuals.
2. Insurance for such mandatory programs:
- investing the accumulated funds;
- payment of one-time, periodic or lifetime benefits;
- provisions for co-financing of state programs.
National Rating Agency assigned to the Fund the highest rating "A ++".On the financial performance of the organization can be found at the institution.
In 2013, the number of citizens who have listed their accumulation in the NPF SC, was 1 million. People.And in a year and a half that figure doubled.The total amount of savings in 2013 - 72 mln. Rubles.The total return on investment for the previous 4 years was 52%, the average inflation rate - 33.88%.
Terms
funded pension Sberbank will bring more revenue, since the possibility of the organization is somewhat broader in comparison with other similar institutions.To transfer funds to NPF, you must:
- apply to the branch of the organization with the passport and SNILS;
- sign a contract pension insurance (OPS);
- write an application to the state of the Fermi surface of the transfer of funds to a private foundation.
Documents are accepted until December 31 of each year.
The benefit through the savings
Translate funded part of pension to NPF can be once a year.Choosing exactly Savings Bank as an organization for the accumulation of funds, the customer can count on the fact that he did not have to stand in line waiting for the next payment.All the funds can be transferred directly to the card of the Savings Bank.To obtain service, you need to contact the department with a passport and a certificate, fill out a form to get payment information and notify the PF of the transfer of the retirement pension for new details.After that, customers can cash out any funds through the nearest ATM, view the balance on the Internet, set up SMS notification of movement amounts to the account opened in OJSC "Sberbank of Russia".
Funded part of the pension in question
in 2015 caused a lot of disputes the government's desire to abolish the accumulation of charges.According to the Ministry of Finance, this measure will bring the budget revenue of $ 370 million. Rubles.a year, but then disappear source of "long" money: NPF and Vneshtorgbank, which manages the savings for the State invested 3 trillion.rub.in domestic companies.
Economists immediately sounded the panic.Cancel funded part would lead to a reduction in the replacement rate to 25% in 10 years.Insurance pension is indexed at the expense of budget funds, which by 2018 may not be enough.As a result of restarting the amount of payments to pensioners will be reduced.The FIU does not cope with the load.Half of payments financed by the federal budget.The complicated demographic situation in the country, the early exit of Russians to retire (55 and 60 years against 63-64 in EU countries), as well as the high share of the shadow economy only increases the burden on the APF.This means that the transfers from the federal budget will also grow.
Arguments
only reason for making changes can be a negative real return on investment.Over the past 5 years, the profitability of Vneshtorgbank was 28.9%, and the rate of inflation - 46%.Ongoing crisis in the country only aggravate the situation.According to the comments and reports of sociologists, people do not trust the NPF and change them one by one each year.As a result, organizations need to reevaluate assets.Invest in long-term projects they have no chance.
Citizens began to worry that the government wants to splurge on their future earnings.But economists insist that it is not.Funded part that is formed in the range of 6% will be directed to replenish the insurance payment.Russians only need to contact the Department of PF and write an application for the transfer of funds.One of the organizations which may come funded part of a pension, - Sberbank.Reviews suggest that sometimes, even with such a simple registration procedure, they have problems.For a long time considered the application, and money sometimes do not arrive in a timely manner to the account.
structure
Many people still do not know exactly how to shape the future of pensions.Formula outwardly looks very scary and incomprehensible.But understand it is.It consists of three components:
- insurance part is formed by monthly deductions from wages (C);
- basic pension that a person will receive in any case, if a little bit in my life worked (B);
- of the accumulated amounts to 6% of salary (H).This amount a person can manage on their own, selecting the organization that will collect funds.This can be an asset management company (CC) or NPF.You can, for example, to transfer funds to the Savings Bank.Translation funded part of the pension is made directly in the office of the credit institution.
These three terms are then multiplied at special rates that are dependent on the length, the size of salaries and other nuances.As a result of the formula has the form:
pension = K1 x K2 x P + C + K3 x N.
government has proposed to change the coefficient of the third term to "0".
As the reviews, not all Russians listed accumulative part of pensions in the Savings Bank or another NPF.There is a category of citizens who choose not to transfer funds from Vneshtorgbank.Such "silent ones" the government can transfer the funded part of pension insurance.As a result, payments will increase from 16% to 22%.The total amount of the pension will also change, but not necessarily in the smaller side.This is the essence of the new reform.While she declined.But perhaps in the future the question of acceptance will rise again.
main maintenance problems
On the forums, you can find a large number of complaints about the lengthy procedure paperwork.If a person wishes to transfer funds from the public to the private PF or the Criminal Code, he should write a statement in both structures up to 31 December this year.At the end of the process is sent a notice of the amount debited and funds received to the account of the Savings Bank in the NPF.Funded part of the pension, the percentage of deductions for which currently stands at 6% shall be paid before 31 March of the following year.But user reviews say that these terms are often violated.You can advise only one thing: when the time calls on both the organization and find out what happened to the money.No less of a problem, judging by the comments of pensioners arises in the case of the transfer of funds from the Savings Bank to another NPF.It operates the same rule as in the previous condition.Funds should be listed before March 31 next year.So, if the client has submitted an application in April this year, he will have to wait 11 months.
According to the financial statements, the annual average income NPF SC is 5-6%.But the fund investment programs a lot, and not the fact that they bring profit.Besides physical persons often change NPF.Such customers may not be invested in the long-term cumulative part of the pension in the Savings Bank.Reviews Russians confirm that the results of the 2011-2012 yield savings amounted to 0%.Dissatisfied people in the years of mass transfer of funds to another NPF.
funded part of pension in the Savings Bank: customer reviews
analyzing the comments of Russians regarding the quality of services and availability of information, we can distinguish the following main advantages of cooperation with the organization:
- minimum package of documents.To sign the agreement need only a passport and SNILS.
- speed processing.The client can submit an application at any of the nearest branch.A few days later the staff will call and arrange time for signing the contract.
- access to information.Account balance can be viewed through the "My Account" on the site NPF.
Disadvantages (judging by the reviews the company's clients):
- the preparation of certificates of the results of the investment is 30-60 days;
- frequent technical failures in the system;
- NPF Security works, though profitable, but it does not beat the record of profitability.
Conclusion
Russians can independently choose which organization will be engaged in the accumulation of the funded part of their pension.One of the largest NPF in the country was established by the Savings Bank in 1995.As of 2013, 1 million. Russians have entrusted him with their retirement savings.The facility operates profitably.Opinions on the activities of the organization is poor.The majority of customer complaints related to the long-term receipt of statements on the results of the investment and a long procedure of registration transfer from one APF to another.
